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BY SIGNING BELOW, Borrower accepts and agrees to the terms and provisions contained in this <br />Second Home Rider. <br />/ J <br />— (Seal) (Seal) <br />Borrower GUERRERO MORALES - Bormwcr <br />Borrower - Bnrrnwer <br />Borrower - Bormwer <br />Bnrmwer - Borrower <br />00324759 <br />3658 199041 Page 2 of 2 Form 3890 3/99 <br />